近期，越秀集团以17.68亿港元完成了对香港人寿全资控股，正式进入香港保险市场。 这是2024年以来香港市场规模最大的一笔险企收购交易。作为广州市资产规模最大的国有企业之一，越 秀集团凭借此举拿下寿险这一关键牌照。 越秀集团董事长陈强公开表示："收购香港人寿后，我们将加大在港投资，做强做大在港金融产业，从 服务实体经济、民生保障、财务管理、融入内地等方面支持香港发展。" 香港人寿股权完成交割 10月9日，"越秀集团收购香港人寿股权交割暨焕新出发启动仪式"在香港举行，由此实现全资控股香港 人寿。这是2024年以来香港市场规模最大的一笔险企收购交易，交易规模达到17.68亿港元。 从业绩方面来看，2022年至2023年，香港人寿除税及非经常项目后亏损净额分别为5.12亿港元、4.88亿 港元。2024年，香港人寿扭亏为盈，税后利润盈利3158.11万港元。 早在2024年12月27日，亚洲保险有限公司、招商永隆代理有限公司、华侨银行（香港）有限公司及上海 商业银行有限公司与越秀达成股份收购协议，原股东将出售其所持有的香港人寿83.33%股份交易给越 秀新成立之全资附属公司越秀保险（控股）有限公司。这笔交易在202 ...

Core Viewpoint - The future of home-based elderly care services in China is expected to become a competitive market similar to the elder care community sector five years ago, but it currently faces three major bottlenecks: unclear profit models, insufficient care services, and the need for industry standards [1][3][5]. Market Overview - As of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, with those aged 65 and above reaching 220 million, or 15.6% [4]. - The current elderly care system in China follows a "9073" model, where 90% of elderly care is home-based, yet less than 1% of the elderly reside in care institutions [2]. Industry Trends - The demand for home-based elderly care is increasing due to the aging population, with a significant shift towards community and home care services [3][5]. - Insurance companies are increasingly entering the home-based elderly care market, adopting a light-asset model to avoid the heavy competition in elder care communities [2][5]. Government Support - The Chinese government has issued multiple policies to promote the development of home-based elderly care services, emphasizing community support and the enhancement of care for disabled elderly individuals [2][5]. Insurance Companies' Strategies - Over 20 insurance companies, including China Ping An and China Taiping, are actively exploring home-based elderly care services, utilizing models such as "insurance + service" and long-term care insurance [2][5][6]. - China Ping An launched its home-based elderly care service brand "Ping An Butler" in September 2022, covering over 85 cities and serving more than 190,000 clients by the end of 2024 [6]. Challenges in the Sector - The home-based elderly care sector faces significant challenges, including a shortage of qualified caregivers, with a reported gap of 5.5 million caregivers needed [17]. - The lack of standardized services and quality control in home care presents difficulties in meeting diverse elderly needs [18][19]. Future Outlook - The home-based elderly care market is expected to experience explosive growth, with projections indicating that the market could exceed 50 billion yuan by 2026, and the overall commercial elderly care market could surpass 200 billion yuan [8]. - Insurance companies are anticipated to integrate home-based elderly care services into their sales systems, driven by the increasing demand for such services [16].